With interest rates at record lows and economic uncertainty expected to continue, you’re probably wondering, like millions of other Americans, whether you’ll have enough income to last 20 or more years of retirement. Fortunately, there are a number of steps you can take right now to improve your chances. First, try to avoid taking Social Security as long as possible, since each year you delay could increase your benefits by 8%. Second, use online tools like maxmyinterest.com to find online banks offering better interest rates on savings than you’re earning now. Third, consider reallocating some of your investments to increase income without taking on excessive risk; equity-income funds offer an attractive combination of dividend income and the potential for capital growth. Fourth, look for ways to reduce non-essential spending and investment expenses. If all of this seems too overwhelming to do on your own, considering working with a fee-only fiduciary financial planner who can analyze your entire financial life and recommend a plan to help you live the way you want to during retirement.